sort of ancient history because things are becoming clearer now as far as the fiscal policy of the united states. we still have the debt crisis coming in a couple of months here to be resolved, but, you know, things do seem to be getting better. we've had some companies say that the housing market is for real right now, for example. >> yeah. i guess there's two different ways to think about it, bill. ancient history or crystal ball telling our future. i mean, when i read these comments, i see them very much as some of them seem to have come before the fiscal cliff deal was made but the other stuff comes in. there's some of the comments up on your screen there from the individual banks. i think that two things. i think, obviously, going over or hitting the debt ceiling is a big deal, but i think the run up to the debt ceiling, this is what the beige book is telling us, bill, the run-up is a big deal and the whole question. i'm not saying it's -- it's very important to solve these issues, but i think what the market wants, what investors want and probably what the american public wants is a